Stock AnalizHilltop Holdings Inc. HTH
Major Banks · data as of November 13, 2026
Hilltop Holdings Inc. (HTH) is a financial company listed in the US with a market value of about $2.0B. In the twelve months to September 30, 2026 it had revenue of $1.3B and net income of $141M, a net margin of 11.2%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is financial health (3/5); the weakest is future growth (1/5).
Key numbers: a P/E of 15.0, a price to free cash flow of 18.6, 5-year revenue growth of -10% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 34% below the current price.
Score: 2.0 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Profit margin improving
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
- Pays a dividend
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.3B | $1.3B | $1.2B | $1.2B | $1.3B | $1.8B | $2.1B | $1.5B | $1.3B | $1.6B | $1.7B |
| Net income | $141M | $166M | $113M | $110M | $113M | $374M | $448M | $225M | $121M | $133M | $146M |
| Free cash flow | $110M | -$56M | $267M | $435M | $1.2B | $741M | $243M | -$475M | $322M | -$352M | -$203M |
| EPS (diluted) | $2.40 | $2.64 | $1.74 | $1.69 | $1.60 | $4.61 | $5.01 | $2.44 | $1.28 | $1.36 | $1.48 |
| Net margin | 11.2% | 12.9% | 9.5% | 9.2% | 8.8% | 20.4% | 21.2% | 15.0% | 9.2% | 8.2% | 8.7% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 3 analysts is $38.67, 7% above the current price; targets range from $36.00 to $41.00; the consensus rating is “Hold”; expected EPS is $2.25 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Hilltop’s P/E ratio?
About 15.0, based on the last twelve months of diluted earnings per share (forward P/E about 16.7).
Is Hilltop stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 34% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Hilltop pay a dividend?
Yes. The dividend yield is about 2.41%, and it has paid dividends for 10 years in our data.
Is Hilltop a good stock to buy?
We do not give buy or sell advice. Hilltop scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.